Solutions That Make Smarter Lending Possible
FinScore’s enterprise solutions combine telco-based credit scoring and real-time loan inquiry tracking, built for banks, fintechs, and lenders across the Philippines.
End-to-End Solutions Built to Scale
Drive better lending decisions and protect your portfolio with our core suite of risk and scoring solutions.
Credit Scoring
Standalone
Built on various MNO data sources – more than 400 telco data variables (data and voice usage, top-up patterns, location and device data, and many more) to effectively predict a customer’s creditworthiness.
Derived by the most advanced machine learning algorithms, the Telco Credit Score has extremely high predictive power and can be used as either a standalone model or in a combination with existing Social-Demographic and/or Credit Bureau models. The score enables a partner to address an uncharted market segment as it offers a unique data source as well as get better discrimination for the current market segment it serves.
The Score can be used for different products – purpose-bound loans, cash loans, airtime loans, credit cards, and more.
Fraud Detection
Add-On
The Geo-location Fraud Flag is derived from FinScore’s ability to match the applicant’s declared living address versus various geo-locations detected by the mobile operator.
This extremely powerful fraud indicator gives insights regarding the truthfulness of the applicant when providing his contact details. It also helps with collection efforts once a loan is granted.
The Geo-location Fraud Flag is used for assessing the applicant’s truthfulness when providing personal address details during loan application, the flag can be obtained via API inquiry or through FinScore’s ACE Portal.
Credit Scoring
Standalone
Strengthen your credit and onboarding decisions. CrediView delivers the deep behavioral insights needed to expand market reach safely by analyzing telco scoring trends and applicant data across 20+ Philippine lenders.
This paves the way for smarter lending, allowing you to maximize approvals while keeping risk under control.
Data Enrichment
Standalone
Get the most comprehensive social media lookup available with data from 20+ social media sites, including user avatar and profile info in a simple interface.
FindSocial provides instant, near real-time information that would take a tremendous amount of time to collect manually. It is a strong fraud indicator that will help you make better credit decisions.
KYC Compliance
Standalone
Assess applicants and identify fraudulent accounts with KYC Base Check. It is a fraud prevention tool that cross-checks an individual’s personal data in The Philippines, such as name, date of birth, ID number, address, ID type, and ID number against multiple external databases.
A reliable KYC tool, KYC Base Check can capture background check reports for both individuals and businesses.
Credit Scoring
Standalone
Built on various MNO data sources – more than 400 telco data variables (data and voice usage, top-up patterns, location and device data, and many more) to effectively predict a customer’s creditworthiness.
Derived by the most advanced machine learning algorithms, the Telco Credit Score has extremely high predictive power and can be used as either a standalone model or in a combination with existing Social-Demographic and/or Credit Bureau models. The score enables a partner to address an uncharted market segment as it offers a unique data source as well as get better discrimination for the current market segment it serves.
The Score can be used for different products – purpose-bound loans, cash loans, airtime loans, credit cards, and more.
Credit Scoring
Standalone
Strengthen your credit and onboarding decisions. CrediView delivers the deep behavioral insights needed to expand market reach safely by analyzing telco scoring trends and applicant data across 20+ Philippine lenders.
This paves the way for smarter lending, allowing you to maximize approvals while keeping risk under control.
Fraud Detection
Add-On
The Geo-location Fraud Flag is derived from FinScore’s ability to match the applicant’s declared living address versus various geo-locations detected by the mobile operator.
This extremely powerful fraud indicator gives insights regarding the truthfulness of the applicant when providing his contact details. It also helps with collection efforts once a loan is granted.
The Geo-location Fraud Flag is used for assessing the applicant’s truthfulness when providing personal address details during loan application, the flag can be obtained via API inquiry or through FinScore’s ACE Portal.
KYC Compliance
Standalone
Assess applicants and identify fraudulent accounts with KYC Base Check. It is a fraud prevention tool that cross-checks an individual’s personal data in The Philippines, such as name, date of birth, ID number, address, ID type, and ID number against multiple external databases.
A reliable KYC tool, KYC Base Check can capture background check reports for both individuals and businesses.
Data Enrichment
Standalone
Get the most comprehensive social media lookup available with data from 20+ social media sites, including user avatar and profile info in a simple interface.
FindSocial provides instant, near real-time information that would take a tremendous amount of time to collect manually. It is a strong fraud indicator that will help you make better credit decisions.
Innovative Credit Scoring Solutions
Many consumers in the Philippines are credit invisible because they don’t have access to banking systems. In turn, businesses can’t tap into the credit potential of the unbanked. A new generation of fintech companies, including FinScore, is trying to close that gap with telco data.
With FinScore, we analyze 400+ telco data variables such as SMS, top-up, top 10 contacts list, location, voice, and mobile data usage, so we can predict their creditworthiness.
When analyzed over months and with other signals, FinScore can accurately predict the user’s overall creditworthiness. Our geo-location fraud tools also break down the Internet’s barriers to anonymity, our safeguard against fraud and other online security issues.
Compare Products at a Glance
Not sure which solution fits your use case? Use this table to narrow down your options.
Find the Right Solution
for Your Business
Talk to our team and we’ll recommend the right product combination for your use case, data environment, and market.
Partners in Smarter Lending
Trusted by Leading Banks and Financial Institutions
Let us help you make better credit decisions today.
